Pay by Bank
InternalIn reviewThe launch pack for Pay by Bank: customers pay a business directly from their bank account through a guided journey, without entering card details.
Templates to adapt for each customer scenario and channel: email, push, SMS, WhatsApp, banners, pop-ups and FAQs.
Choose the customer scenario, then the channel. Every scenario has the same parts: audience and message, then email, push, SMS, WhatsApp, banners, pop-ups, campaign rules and FAQs.
The wording follows Messaging. Each channel lists the guidelines it serves, so a template can be traced to the screen or moment it supports.
| Scenario | Use when | Customer action |
|---|---|---|
| 1. SIP → AoF | The customer already uses PBB and can now save an eligible account. | Save an account for future eligible One Tap payments. |
| 2. RE → PBB | The customer uses the legacy bank-payment journey and needs to move to PBB. | Set up again in the new journey. |
| 3. First-time PBB | The customer has never used PBB and is not a legacy migration customer. | Try PBB for the first time. |
How to use the templates
- SIP, AoF and RE are internal labels only. Keep them out of customer-facing copy.
- Legacy customers belong in RE → PBB, even if this is their first use of the PBB name. First-time PBB does not necessarily mean their first payment on the app.
- Square brackets identify fields to replace before publishing. Use the actual brand, live banks, approval steps and support routes.
- Replace Instant Bank Transfer with the legacy name customers actually saw.
- Announcement and education/reminder templates form the core set. Optional variants are labeled separately within their channel.
- Scenario notes and campaign rules are internal instructions, not customer copy. Shared claims and operational answers are in the appendix.
Save an account for One Tap
Internal label: SIP → AoF. Keep it out of customer-facing copy.
Audience and core message
| Item | SIP → AoF |
|---|---|
| Audience | Existing PBB users who make one-time payments and can save an eligible bank account. |
| Core message | The Pay by Bank payments you know, now simpler next time. |
| Benefit | Future eligible payments without selecting and connecting the bank again each time. |
| Primary CTA | Save my account for One Tap. |
| Exclude | First-time PBB acquisition, legacy migration, and setup invitations to customers who already have an active eligible saved connection. |
SIP → AoF — Internal publishing notes
- Saving is optional; it does not create automatic or recurring payments.
- Use the live One Tap bank list, not the wider PBB list. Verify bank, account and payment eligibility.
- Explain any further bank approval needed for returning payments. Do not promise complete one-tap approval for every payment.
- Confirm the live saving steps and connection-removal route. Do not imply setup is already complete.
- Use returning-payment and reconnection copy only for the matching saved-connection state; see 1.8.
SIP → AoF: announcement email
Subject options
- Your next Pay by Bank payment in one tap
- Now you can save your bank account on [Business name]
- Pay by Bank, upgraded: save your account for next time
Preview text: Save your bank account once for eligible One Tap payments next time.
Hi [First name],
The Pay by Bank payments you know just got simpler.
You can now save your bank account on [Business name] for eligible One Tap payments next time, without selecting and connecting your bank again each time you pay.
Next time you [action], choose Pay by Bank, select your bank and choose to save your account. Review and approve the setup securely through your bank. [Return behavior and any further approval required for returning payments.]
One Tap is currently available with: [currently live One Tap banks]. Select Pay by Bank to check whether your bank and account are eligible.
Saving your account is optional. You still choose when to pay, and you can continue making payments without saving it.
[Save my account for One Tap →]
Questions? Visit [support link].
The [Business name] team
SIP → AoF: education / reminder email
Subject: Keep your bank ready for your next Pay by Bank payment
Preview text: Save your account for eligible One Tap payments. You still choose when to pay.
Hi [First name],
Already using Pay by Bank? Save your eligible bank account so you do not have to select and connect your bank again next time.
Choose Pay by Bank, select your bank and follow the steps to approve saving your account securely through your bank. [Return behavior.]
Saving is optional. It does not set up automatic payments, and you can remove the connection in [payment settings location].
One Tap is currently available with: [currently live One Tap banks]. [Explain any further bank approval required for returning payments.]
[Set up One Tap →]
Questions? Visit [support link].
| Messaging rules |
|---|
| One Tap and returning paymentsPBB-MSG-06 |
| Guidelines |
| Campaigns by customer scenarioDEP-PRI-06 |
| From a one-time payment to a saved accountDEP-PRI-04 |
Push notifications
| Template | Title | Body | CTA |
|---|---|---|---|
| Announcement | Pay by Bank, simpler next time | Already using Pay by Bank? Save your account for eligible One Tap payments next time. | Set up One Tap |
| Education | Save once. Choose when to pay. | Save your bank connection for future eligible payments. No automatic payments. | See how it works |
| Reminder | Keep your bank ready | Save your eligible account so you do not have to select and connect your bank again next time. | Save my account |
| Optional: saving setup confirmed incomplete | Save your account when you’re ready | Return to [Business name] and follow the steps to save your eligible bank account for One Tap payments next time. | Continue setup |
| Messaging rules |
|---|
| One Tap and returning paymentsPBB-MSG-06 |
| Guidelines |
| Campaigns by customer scenarioDEP-PRI-06 |
| From a one-time payment to a saved accountDEP-PRI-04 |
SMS
SIP → AoF: announcement SMS
Already using Pay by Bank on [Business name]? Now save your eligible bank account for One Tap payments next time: [short link]
SIP → AoF: education / reminder SMS
Make Pay by Bank simpler next time. Save your eligible bank account so you do not have to connect it again each time you pay. Saving is optional: [short link]
| Messaging rules |
|---|
| One Tap and returning paymentsPBB-MSG-06 |
| Guidelines |
| Campaigns by customer scenarioDEP-PRI-06 |
| From a one-time payment to a saved accountDEP-PRI-04 |
SIP → AoF: announcement WhatsApp
The Pay by Bank payments you know, now simpler next time.
Save your eligible bank account on [Business name] for One Tap payments when you return.
1. Choose Pay by Bank.
2. Select your bank and choose to save your account.
3. Review and approve the setup securely through your bank.
4. [Return behavior.]
One Tap is currently available with: [currently live One Tap banks].
Saving is optional. You still choose when to pay. [Explain any further approval required for returning payments.]
[Save my account for One Tap →] [link]
SIP → AoF: education / reminder WhatsApp
Keep your bank ready for next time.
Save your eligible account for Pay by Bank payments without selecting and connecting your bank again each time. Saving does not set up automatic payments.
[Set up One Tap →] [link]
Questions? [support link]
| Messaging rules |
|---|
| One Tap and returning paymentsPBB-MSG-06 |
| Guidelines |
| Campaigns by customer scenarioDEP-PRI-06 |
| From a one-time payment to a saved accountDEP-PRI-04 |
Homepage and wallet banners
| Placement | Headline | Body | CTA |
|---|---|---|---|
| Targeted homepage hero | The Pay by Bank payments you know, now simpler | Save your eligible bank account for One Tap payments next time. | Save my account |
| Compact homepage | Save your account for One Tap | Already using Pay by Bank? Keep your bank ready for future eligible payments. | Set up One Tap |
| Wallet / funding | Your next top-up, simpler | Save your eligible account with Pay by Bank for One Tap top-ups next time. | Save my account |
| Benefit-led | Save your bank. Simplify next time. | Save your eligible account for Pay by Bank payments without selecting and connecting your bank again each time. | Set up One Tap |
| Optional: known eligible bank | Save your [Bank] account | One Tap is available for eligible [Bank] accounts on Pay by Bank. | Save my account |
| Messaging rules |
|---|
| One Tap and returning paymentsPBB-MSG-06 |
| Guidelines |
| From a one-time payment to a saved accountDEP-PRI-04 |
| After a successful deposit: offer to save the accountDEP-PLC-05 |
Pop-ups
SIP → AoF: announcement pop-up
| Field | Copy |
|---|---|
| Title | Pay by Bank, simpler next time |
| Body | Save your eligible bank account for future One Tap payments, without selecting and connecting your bank again each time. Saving is optional; you still choose when to pay. |
| Primary CTA | Save my account |
| Secondary CTA | Not now |
SIP → AoF: education / reminder pop-up
| Field | Copy |
|---|---|
| Title | Your saved bank. Your choice. |
| Body | Save your bank connection for eligible Pay by Bank payments you choose to make. Remove it in [payment settings location] anytime. |
| Primary CTA | Set up One Tap |
| Secondary CTA | Learn more |
| Messaging rules |
|---|
| One Tap and returning paymentsPBB-MSG-06 |
| Guidelines |
| From a one-time payment to a saved accountDEP-PRI-04 |
| After a successful deposit: offer to save the accountDEP-PLC-05 |
Campaign rules and follow-up
| State | What to use / do | Stop or change when |
|---|---|---|
| Eligible account not saved | Use the six channel sections above. Show pop-ups in the relevant payment/funding area. | Connection saved, eligibility changes or dismissal/frequency limit reached. |
| Saving setup confirmed incomplete | Use the optional incomplete-setup push or SMS. | Setup completes. If linked to a payment, do not encourage a new payment while its outcome is pending or unknown. |
| Active eligible saved connection | Use returning-payment copy below—not another setup invitation. | Connection expires, eligibility changes or frequency limit reached. |
| Connection expired | Use reconnection copy below. | Connection becomes active. |
| One Tap unavailable | Explain verified one-time PBB or alternative-method options. Do not promote saving. | Eligibility changes. |
SIP → AoF: post-setup and reconnection copy [Optional]
| Purpose / channel | Title | Body | CTA |
|---|---|---|---|
| Returning-payment push — active eligible connection, verified instant timing | One tap. And you’re done. | Pay instantly, straight from your saved bank account with Pay by Bank. No card needed. [Further approval wording if required.] | Pay by Bank |
| Returning-payment push — non-instant version | Your saved bank is ready | Use your saved bank account for eligible Pay by Bank payments. [Further approval wording if required.] | Pay by Bank |
| Connection-management push — live removal route | Your saved bank. Your choice. | You choose when to pay with your saved bank connection. Remove it in [payment settings location] anytime. | Payment settings |
| Reconnection message — expired connection | Reconnect for One Tap | Connect your bank again to use eligible One Tap payments. | Reconnect my bank |
| Guidelines |
|---|
| Consent management screenDEP-PTH-07 |
| Consent expiryDEP-PTH-08 |
| NotificationsDEP-PTH-09 |
FAQs
What changes if I save my account?
You can choose your saved account for eligible One Tap payments, without selecting and connecting your bank again each time. [Explain any further bank approval required.]
Do I have to save my account?
No. Saving is optional. You can continue making PBB payments without saving your account.
Does saving my account set up automatic payments?
No. You still choose when to pay. Saving your bank connection does not set up automatic or recurring payments.
How long can I use my saved connection?
It stays available until [expiry date / approved duration], unless you remove it or your bank asks you to reconnect sooner. When it expires, [App / website] will guide you to connect again.
Can I remove it later?
Yes. Go to [payment settings location] and choose [remove connection action]. This stops future use of the connection; it does not reverse completed payments.
| Messaging rules |
|---|
| One Tap and returning paymentsPBB-MSG-06 |
Move from the legacy journey
Internal label: RE → PBB. Keep it out of customer-facing copy.
Audience and core message
| Item | RE → PBB |
|---|---|
| Audience | Customers who use the legacy bank-payment journey and need to set up again to use PBB. |
| Core message | The bank payments you know, upgraded. |
| Required action | Select the bank and approve the new setup. |
| Primary CTA | Set up Pay by Bank. |
| Exclude | Generic first-time acquisition and optional account-saving upgrades for customers already using the current PBB journey. |
RE → PBB — Internal publishing notes and required inputs
- Replace Instant Bank Transfer with the actual legacy name. This is migration, not merely a rename.
- Do not present existing speed, card-free payment or bank approval as newly introduced benefits.
- Confirm why reconnection is needed, what happens to the old connection, whether the legacy method remains available, and any migration deadline. These are required product inputs—not ready-to-publish FAQ answers. Do not invent them.
- Keep setup again as the primary action. Mention One Tap only if saved accounts are live and the bank, account and payment are eligible.
- Use the optional benefit wording below only when verified. Bank-app approval wording must match the actual flow.
RE → PBB: announcement email
Subject options
- Instant Bank Transfer is becoming Pay by Bank
- The bank payments you know, upgraded
- Set up Pay by Bank on [Business name]
Preview text: The payments you know, upgraded. Set up again to get started.
Hi [First name],
Instant Bank Transfer is becoming Pay by Bank.
The bank payments you know, upgraded on [Business name]. You can continue paying straight from your bank, without a card.
You’ll need to set up again. Choose Pay by Bank in [App / website], select your bank and approve the new setup securely through your bank. [Return behavior.]
Currently live with: [currently live banks].
[Set up Pay by Bank →]
Need help? [support link]
The [Business name] team
RE → PBB: optional announcement-email benefit lines
Insert relevant verified benefits after the continuity paragraph. Do not publish every line by default.
| Condition | Customer copy |
|---|---|
| Verified instant timing; replace the base continuity sentence rather than claiming speed is new | You can still pay instantly, straight from your bank, without a card. |
| Verified absence of a new-contact waiting period | Now pay new contacts straight away, with no waiting period. |
| Approved AlTareq-powered UAE journey | Pay by Bank uses AlTareq, the UAE’s Open Finance framework regulated by the Central Bank of the UAE. |
| Saved accounts live and eligible | Connect and save your bank again for future eligible One Tap payments. You choose when to pay and can remove the connection in [payment settings location]. [Explain any further approval required.] |
For eligible One Tap migration, the setup paragraph can be replaced with:
Set up once for One Tap payments. You’ll need to connect your bank again and approve saving it. Choose Pay by Bank in [App / website] and follow the steps. Once set up, future eligible payments are as simple as one tap, straight from your saved bank account, without a card. [Explain any further bank approval required.]
RE → PBB: education / reminder email
Subject: Set up Pay by Bank for your next [payment / top-up]
Preview text: Moving from Instant Bank Transfer? Here’s what to do next.
Hi [First name],
As Instant Bank Transfer moves to Pay by Bank on [Business name], you’ll need to set up again to use the new journey.
1. Choose Pay by Bank in [App / website].
2. Select your bank.
3. Review and approve the new setup securely through your bank.
4. [Return behavior and next payment step.]
Currently live with: [currently live banks].
[Set up Pay by Bank →]
Need help? [support link]
| Messaging rules |
|---|
| Transitioning from “Instant Bank Transfer”PBB-MSG-08 |
| Guidelines |
| Campaigns by customer scenarioDEP-PRI-06 |
Push notifications
| Template | Title | Body | CTA |
|---|---|---|---|
| Announcement | Instant Bank Transfer, upgraded | Instant Bank Transfer is becoming Pay by Bank. Set up again to get started. | Set up Pay by Bank |
| Education | Your next step: set up again | Moving to Pay by Bank? Select your bank and approve the new setup securely. | See how it works |
| Reminder | Ready for Pay by Bank? | Move from Instant Bank Transfer to Pay by Bank. Set up again for your next [payment / top-up]. | Set up Pay by Bank |
| Optional: migration setup confirmed incomplete | Complete your Pay by Bank setup | Moving from Instant Bank Transfer? Return to [Business name] and approve your new setup securely through your bank. | Continue setup |
| Optional: eligible One Tap migration | Reconnect for One Tap | Moving to Pay by Bank? Connect and save your bank again for future eligible One Tap payments. | Set up Pay by Bank |
| Messaging rules |
|---|
| Transitioning from “Instant Bank Transfer”PBB-MSG-08 |
| Guidelines |
| Campaigns by customer scenarioDEP-PRI-06 |
SMS
RE → PBB: announcement SMS
Instant Bank Transfer is becoming Pay by Bank on [Business name]. Pay straight from your bank, without a card. Set up again to get started: [short link]
RE → PBB: education / reminder SMS
Moving to Pay by Bank? Choose it in [App / website], select your bank and approve the new setup securely. Get started: [short link]
RE → PBB: optional SMS variants
Verified instant timing and no waiting period:
Instant Bank Transfer is becoming Pay by Bank. Still instant and card-free, now with no waiting period for new contacts. Set up again: [short link]
Migration setup confirmed incomplete:
Your new Pay by Bank setup is not complete. Return to [Business name] and follow the steps to finish moving from Instant Bank Transfer: [short link]
| Messaging rules |
|---|
| Transitioning from “Instant Bank Transfer”PBB-MSG-08 |
| Guidelines |
| Campaigns by customer scenarioDEP-PRI-06 |
RE → PBB: announcement WhatsApp
Instant Bank Transfer is becoming Pay by Bank.
The bank payments you know, upgraded on [Business name]. You can continue paying straight from your bank without a card.
You’ll need to set up again:
1. Choose Pay by Bank in [App / website].
2. Select your bank.
3. Review and approve the new setup securely through your bank.
4. [Return behavior and next payment step.]
Currently live with: [currently live banks].
[Set up Pay by Bank →] [link]
Need help? [support link]
RE → PBB: education / reminder WhatsApp
Set up again for Pay by Bank.
As you move from Instant Bank Transfer, choose Pay by Bank in [App / website] and follow the steps to approve the new setup through your bank.
[Set up Pay by Bank →] [link]
Questions? [support link]
| Messaging rules |
|---|
| Transitioning from “Instant Bank Transfer”PBB-MSG-08 |
| Guidelines |
| Campaigns by customer scenarioDEP-PRI-06 |
Homepage and wallet banners
| Placement | Headline | Body | CTA |
|---|---|---|---|
| Targeted homepage hero | Instant Bank Transfer, upgraded to Pay by Bank | The bank payments you know, upgraded. Set up again to get started. | Set up Pay by Bank |
| Compact homepage | Moving to Pay by Bank | Instant Bank Transfer is becoming Pay by Bank. You’ll need to set up again. | Set up Pay by Bank |
| Wallet / funding | Your bank top-ups, upgraded | Move from Instant Bank Transfer to Pay by Bank. Set up again for your next top-up. | Set up Pay by Bank |
| Benefit-led | Your bank payments, upgraded | Pay straight from your bank with Pay by Bank, without a card. Set up again to get started. | Set up Pay by Bank |
| Optional: known supported bank | Set up Pay by Bank with [Bank] | Moving from Instant Bank Transfer? Select [Bank] and approve your new setup securely. | Set up Pay by Bank |
RE → PBB: optional banner benefits
| Verified condition | Replacement / additional copy |
|---|---|
| Instant timing and no new-contact waiting period | Headline: Still instant. Still card-free. Body: Pay by Bank adds no waiting period for new contacts. Set up again to get started. |
| Saved accounts live and eligible | Additional line: Connect and save your bank again for future eligible One Tap payments. [Explain any further bank approval required.] |
| Messaging rules |
|---|
| Transitioning from “Instant Bank Transfer”PBB-MSG-08 |
| Guidelines |
| Moving from the legacy journeyDEP-PLC-10 |
Pop-ups
RE → PBB: announcement pop-up
| Field | Copy |
|---|---|
| Title | Instant Bank Transfer, upgraded to Pay by Bank |
| Body | The bank payments you know, upgraded. Choose Pay by Bank, select your bank and approve the new setup securely to get started. |
| Primary CTA | Set up Pay by Bank |
| Secondary CTA | Learn more |
RE → PBB: education / reminder pop-up
| Field | Copy |
|---|---|
| Title | Set up again to get started |
| Body | As Instant Bank Transfer moves to Pay by Bank, you’ll need to approve a new setup through your bank. |
| Primary CTA | Set up Pay by Bank |
| Secondary CTA | Get help |
| Messaging rules |
|---|
| Transitioning from “Instant Bank Transfer”PBB-MSG-08 |
| Guidelines |
| Moving from the legacy journeyDEP-PLC-10 |
Campaign rules and follow-up
| State | What to use / do | Stop or change when |
|---|---|---|
| Eligible legacy customer, new setup incomplete | Use the six channel sections above. Pop-ups belong in the relevant payment/funding area. | Setup completes, eligibility changes or dismissal/frequency limit reached. |
| Migration setup started, confirmed incomplete | Use the optional incomplete-setup push or SMS. | Setup completes. Do not encourage another payment while a linked payment outcome is pending or unknown. |
| Migration supports eligible saved accounts | Add optional One Tap wording; retain the migration and reconnection context. | Eligible connection saved. |
| New setup completed | Stop “set up again” messages. Use: “Pay by Bank is ready for your next [payment / top-up].” CTA: Pay by Bank. | Payment completed or frequency limit reached. |
| Migrated with active eligible saved connection | Use: “Use your saved bank account for eligible One Tap payments. [Further approval wording if required.]” CTA: Pay by Bank. | Connection expires or eligibility changes. |
| Bank unavailable in the new journey | Explain verified alternative options and legacy availability. Do not send setup CTAs that lead to an unavailable bank. | Bank becomes supported. |
| Guidelines |
|---|
| Moving from the legacy journeyDEP-PLC-10 |
FAQs
What is changing?
Instant Bank Transfer is becoming Pay by Bank on [Business name]. You’ll need to set up again to use the new journey.
How do I move to Pay by Bank?
Choose Pay by Bank in [App / website], select your bank and approve the new setup securely through your bank. [Return behavior.]
Which banks can I use in the new journey?
Pay by Bank is currently available with [currently live banks]. Select Pay by Bank to check whether your bank and account are supported.
Will I get One Tap payments?
Where saved accounts are available, you can choose to connect and save an eligible bank account for future One Tap payments. Availability depends on your bank, account and payment. [Explain any further approval required.]
| Messaging rules |
|---|
| Transitioning from “Instant Bank Transfer”PBB-MSG-08 |
Try Pay by Bank
Internal label: First-time PBB. Keep it out of customer-facing copy.
Audience and core message
| Item | First-time PBB |
|---|---|
| Audience | Customers who have never used PBB, including existing card users and new customers. |
| Core message | Pay straight from your bank. No card needed. |
| Benefit | No card details to enter and no manual transfer setup. Use speed claims only where verified. |
| Primary CTA | Try Pay by Bank. |
| Exclude | Legacy migration customers; existing PBB users receiving an account-saving upgrade. |
First-time PBB — Internal publishing notes
- Do not say “set up again.” The goal is first PBB trial, not migration.
- First PBB use does not necessarily mean a first payment on the app.
- Completed-KYC copy requires completed identity verification, payment eligibility and no completed payment on the app.
- Use card-user and VIP variants only for the relevant audience.
- Saving an account is optional where supported. Introduce it as a secondary benefit, not a requirement for trial.
- “New” refers to the product launch period. After that, use “Pay by Bank on [Business name]” or “Try Pay by Bank.”
First-time PBB: announcement email
Subject options
- Pay directly from your bank with Pay by Bank
- A card-free way to [pay / top up / fund your account]
- Meet Pay by Bank on [Business name]
Preview text: Select your bank, approve securely and return for confirmation.
Hi [First name],
You can [action] on [Business name] with Pay by Bank, a simple way to pay directly from your bank account without entering card details or manually adding a beneficiary.
How it works
1. Choose Pay by Bank when you [action].
2. Select your bank.
3. Review and approve the payment securely through your bank.
4. Return to [App / website] for confirmation.
Currently live with: [currently live banks]. Select Pay by Bank to see the latest supported banks.
[Try Pay by Bank →]
Questions? Read our [Pay by Bank FAQs]([support link]).
The [Business name] team
First-time PBB: education / reminder email
Subject options
- How Pay by Bank works
- Pay directly from your bank, without the manual setup
- No card details needed with Pay by Bank
Preview text: A direct, card-free way to pay. Here’s what to expect.
Hi [First name],
Pay by Bank lets you [action] directly from your bank account on [Business name].
Here’s how: choose Pay by Bank, select your bank, then review and approve securely through your bank. [Return behavior.]
Why choose Pay by Bank?
Pay straight from your bank, no card details to enter and no bank transfer to set up manually.
Currently live with: [currently live banks].
[Try Pay by Bank →]
First-time PBB: optional card-user email
Audience: customers who have paid by card but never used PBB.
Subject options: Upgrade the way you [action] with Pay by Bank / Pay directly from your bank, no card details needed.
Preview text: Pay straight from your bank. No card details to enter.
Hi [First name],
Meet Pay by Bank on [Business name]: a more straightforward way to [action] directly from your bank account.
Pay straight from your bank. No card needed.
Simply check the amount and who you’re paying, then approve securely through your bank. Return to [App / website] for confirmation.
Currently live with: [currently live banks].
[Try Pay by Bank →]
Questions? Visit [support link].
The [Business name] team
Verified instant-timing version: replace the benefit line with “Instant payments. Straight from your bank. No card needed.”
First-time PBB: optional completed-KYC activation email
Audience: completed required KYC, eligible to pay and no completed payment on the app.
Subject: You’re verified. Ready for your first [payment / top-up]?
Preview text: Make your first payment directly from your bank.
Hi [First name],
Your identity verification is complete and your [Business name] account is ready. Make your first [payment / top-up] with Pay by Bank to pay directly from your bank account without entering card details or manually adding a beneficiary.
Select your bank, review and approve securely, then return to [App / website] for confirmation.
Currently live with: [currently live banks].
[Make my first payment →]
First-time PBB: optional VIP email
Audience: high-value customers who have not used PBB.
Subject: A direct way to fund your [Business name] account
Preview text: Pay straight from your bank, with control over what you approve.
Hi [First name],
You can use Pay by Bank for your next [action] on [Business name]. Pay directly from your bank account without entering card details or manually setting up a beneficiary.
Review who you’re paying and how much before you approve. [Return behavior.]
Currently live with: [currently live banks]. [Accurate limits or eligibility information where material.]
[Use Pay by Bank →]
Need help? [VIP service / support route].
| Messaging rules |
|---|
| Mandatory inclusionsPBB-MSG-05 |
| Guidelines |
| Campaigns by customer scenarioDEP-PRI-06 |
Push notifications
| Template | Title | Body | CTA |
|---|---|---|---|
| Announcement | Meet Pay by Bank | Pay directly from your bank account. No card details needed. | Try Pay by Bank |
| Education | Pay by Bank, step by step | Select your bank, approve securely and return for confirmation. | See how it works |
| Reminder | Try Pay by Bank next time | Pay straight from your bank on your next [payment / top-up]. No card needed. | Try Pay by Bank |
| Optional: verified instant timing | Pay instantly. No card needed. | Pay straight from your bank with Pay by Bank. | Try Pay by Bank |
| Optional: completed-KYC activation | You’re verified. Ready to [action]? | Make your first [payment / top-up] directly from your bank with Pay by Bank. | Get started |
| Optional: known supported bank | Pay with [Bank] | Use Pay by Bank to approve securely through [Bank], then return for confirmation. | Pay by Bank |
| Messaging rules |
|---|
| Mandatory inclusionsPBB-MSG-05 |
| Guidelines |
| Campaigns by customer scenarioDEP-PRI-06 |
SMS
First-time PBB: announcement SMS
Pay by Bank on [Business name]. Pay directly from your bank account without entering card details. Live with [currently live banks]. Try it: [short link]
First-time PBB: education / reminder SMS
Try Pay by Bank on [Business name]. Select your bank, review and approve securely, then return for confirmation. No card details needed: [short link]
First-time PBB: optional SMS variants
Verified instant timing:
Pay instantly, straight from your bank with Pay by Bank. No card needed. Try it: [short link]
Completed-KYC activation:
You’re verified and ready for your first [payment / top-up]. Choose Pay by Bank, select your bank and approve securely: [short link]
| Messaging rules |
|---|
| Mandatory inclusionsPBB-MSG-05 |
| Guidelines |
| Campaigns by customer scenarioDEP-PRI-06 |
First-time PBB: announcement WhatsApp
Meet Pay by Bank on [Business name]
You can [action] directly from your bank account without entering card details or manually adding a beneficiary.
1. Choose Pay by Bank.
2. Select your bank.
3. Review and approve securely through your bank.
4. Return to [App / website] for confirmation.
Currently live with: [currently live banks].
[Try Pay by Bank →] [link]
First-time PBB: education / reminder WhatsApp
Pay straight from your bank. No card needed.
Choose Pay by Bank when you [action] on [Business name]. Select your bank, approve securely and return for confirmation.
[Try Pay by Bank →] [link]
Questions? [support link]
First-time PBB: optional WhatsApp variants
Completed-KYC activation:
You’re verified. Your [Business name] account is ready.
Make your first [payment / top-up] with Pay by Bank. Select your bank, approve securely and return for confirmation. No card details needed.
Currently live with: [currently live banks].
[Get started →] [link]
VIP:
Pay directly from your bank
Pay straight from your bank, no card details to enter and no manual transfer setup. Review who you’re paying and how much before you approve.
Currently live with: [currently live banks]. [Accurate limits where relevant.]
[Use Pay by Bank →] [link]
Need help? [service route]
| Messaging rules |
|---|
| Mandatory inclusionsPBB-MSG-05 |
| Guidelines |
| Campaigns by customer scenarioDEP-PRI-06 |
Homepage and wallet banners
| Placement | Headline | Body | CTA |
|---|---|---|---|
| Homepage hero | Pay directly from your bank with Pay by Bank | A simple, secure way to [action] without entering card details. | Try Pay by Bank |
| Compact homepage | Meet Pay by Bank | Select your bank, approve securely and return for confirmation. | Learn more |
| Wallet / funding | Add money directly from your bank | Top up with Pay by Bank. No card details and no manual transfer setup. | Add money |
| Benefit-led | Pay straight from your bank | Pay by Bank. No card details and no manual transfer setup. | Try Pay by Bank |
| Optional: known supported bank | Pay with [Bank] | Use Pay by Bank to approve securely through [Bank], then return to [Business name] for confirmation. | Pay by Bank |
First-time PBB: optional instant-timing banner copy
Use only where instant timing is verified.
| Placement | Headline | Body |
|---|---|---|
| Wallet / funding | Add money directly from your bank | Top up instantly with Pay by Bank, straight from your bank. No card needed. |
| Benefit-led | Upgrade the way you [action] | Instant payments with Pay by Bank, straight from your bank. No card needed. |
| Guidelines |
|---|
| One-time payment priming (after selection)DEP-PRI-01 |
| Pay by Bank optionDEP-PLC-02 |
Pop-ups
First-time PBB: announcement pop-up
| Field | Copy |
|---|---|
| Title | Meet Pay by Bank |
| Body | Pay directly from your bank account without entering card details. Select your bank, approve securely and return for confirmation. |
| Primary CTA | Try Pay by Bank |
| Secondary CTA | Learn more |
First-time PBB: education / reminder pop-up
| Field | Copy |
|---|---|
| Title | Pay by Bank, step by step |
| Body | Choose Pay by Bank, select your bank and review the payment before approving securely. Return to [App / website] to see your payment status. |
| Primary CTA | Try Pay by Bank |
| Secondary CTA | Not now |
First-time PBB: optional pop-up variants
| Audience / condition | Title | Body | Primary CTA | Secondary CTA |
|---|---|---|---|---|
| Verified instant timing | Upgrade the way you pay | Make your next [payment / top-up] instantly with Pay by Bank, straight from your bank. No card needed. | Try Pay by Bank | Learn more |
| Completed KYC, eligible, no completed payment | You’re verified. Ready for your first [payment / top-up]? | Your identity verification is complete. Use Pay by Bank to pay directly from your bank account without entering card details. | Get started | Not now |
| Confirmed unsuccessful card payment, safe eligible PBB alternative | Try Pay by Bank instead | Pay directly from your bank account without entering card details. | Pay by Bank | Choose another method |
| Guidelines |
|---|
| One-time payment priming (after selection)DEP-PRI-01 |
| Pay by Bank optionDEP-PLC-02 |
Campaign rules and follow-up
| State | What to use / do | Stop or change when |
|---|---|---|
| Never used PBB, eligible | Use the six channel sections above. Pop-ups belong in the relevant payment/funding area. | First successful PBB payment, eligibility changes or dismissal/frequency limit reached. |
| Completed KYC, no completed app payment | Use the labeled activation variants. | First successful payment. |
| Card user / VIP | Choose the corresponding labeled variant within its channel. | First successful PBB payment or frequency limit reached. |
| Known bank becomes supported | Use bank-specific push/banner copy only if the customer’s bank and account are eligible. | First successful PBB payment or launch frequency limit reached. |
| Bank not supported | Explain that the bank is unavailable and offer verified alternative methods. | Bank becomes supported. |
| First PBB attempt confirmed unsuccessful | Use the recovery copy below. | Payment completes, intent expires or outcome becomes pending / unknown. |
| Card payment confirmed unsuccessful | Use the card-failure variant only if PBB is available and a new payment is safe. | Another payment succeeds or original outcome becomes pending / unknown. |
| First PBB payment successful | Stop first-time acquisition. Use: “Choose Pay by Bank again for your next [payment / top-up].” CTA: Pay again. Offer SIP → AoF later only if saving is eligible and incomplete. | Returning-use frequency limit reached. |
First-time PBB: confirmed-failure recovery copy
Use only after a confirmed unsuccessful outcome—not pending or unknown.
| Channel / condition | Title | Copy | CTA |
|---|---|---|---|
| Push: first PBB payment unsuccessful | Try Pay by Bank when you’re ready | Your [payment / top-up] was not completed. Return to [Business name] to try again or choose another method. | View payment options |
| SMS: first PBB payment unsuccessful | — | Your [payment / top-up] was not completed. [Verified statement about whether money was taken.] Try Pay by Bank again or choose another method: [short link] | View payment options |
| Push: confirmed card failure, safe PBB alternative | Try Pay by Bank instead | Pay directly from your bank account without entering card details. | Pay by Bank |
| SMS: confirmed card failure, safe PBB alternative | — | Card payment not completed? Try Pay by Bank to pay directly from your bank account: [short link] | Pay by Bank |
| Guidelines |
|---|
| Failure returnDEP-PTH-02 |
| One-time payment dropped at the redirectDEP-PTH-03 |
FAQs
What is Pay by Bank?
Pay by Bank lets you pay [Business name] directly from your bank account without entering card details.
How do I try it?
Choose Pay by Bank when you [action], select your bank, review and approve securely through your bank, then [return behavior]. Check your payment status in [App / website].
Do I need to enter card details or set up a manual transfer?
No. You do not need to enter card details, copy bank account details, manually add a beneficiary or type a payment reference.
Do I need to save my bank account?
No. Where One Tap is available, you can choose to save an eligible bank connection for future payments. [Confirm the live one-time-payment option.]
| Messaging rules |
|---|
| Customer-ready boilerplatePBB-MSG-10 |
Shared support
Shared support FAQs
Which banks can I use?
PBB is currently available with [currently live banks]. Select Pay by Bank in [App / website] to see the latest supported banks. [Account eligibility restrictions where relevant.]
How is my payment approved securely?
Bank-level security, with payment approval handled directly in your own banking app.
What is AlTareq, and why do I see its badge?
AlTareq is the UAE’s Open Finance platform, regulated by the Central Bank of the UAE. The badge shows that your bank payment uses this regulated framework. You review the payment and choose whether to approve it through your bank.
Pay by Bank is how you pay; AlTareq is the framework’s trust badge, not a different payment method.
Why use Pay by Bank?
Pay straight from your bank, no card details to type, no CVV or OTP to enter.
You decide when to pay. If you choose to save your bank connection, this does not set up automatic or recurring payments. You still choose whether to make each payment. [Bank-level security and approval wording that matches the live journey.] Your bank login details are never shared with [merchant name].
Do I need to add a beneficiary or set up a manual transfer?
No. You do not need to copy bank details, manually add [Business name] as a beneficiary or type a payment reference. Before paying, review the amount and the business you’re paying. Then follow your bank’s instructions to approve the payment.
This removes manual setup; it does not guarantee instant completion. [Verified bank-specific restrictions or timing.]
Do I need to register or verify my identity?
[Approved registration and identity-verification requirements.] If [Business name] requires KYC, complete it before making your first payment.
How long will my payment take?
[Verified timing statement.] Payment completion and balance updates may vary by bank or payment type.
What if my payment is pending?
Wait for the status to update in [App / website]. Do not repeat the payment unless prompted. If it does not change by [verified timeframe], contact [support link].
What if the payment does not complete?
[Accurate reassurance about whether money was taken, based on the confirmed state.] Follow the guidance in [App / website]. If your bank shows a debit but the payment is not confirmed, contact [support route] with the reference before trying again.
Can I get a refund?
[Approved refund process and timing.]
Are there fees?
[Verified fee statement.]
What does payment permission mean when I save my connection?
It lets [Business name] use your saved bank connection for future payments you choose to make, without connecting your bank again each time.
You choose when to pay. Saving does not set up automatic or recurring payments. Remove the connection in [payment settings location] anytime. [Further approval requirements and link to setup terms.]
| Messaging rules |
|---|
| Customer-ready boilerplatePBB-MSG-10 |